Insurance Policy Review & Market Comparison
We'll benchmark your cover against the market to find gaps, identify savings, and ensure your protection still fits your life.
This service is a free, no-obligation Independent Insurance Audit for your current insurance.
Your Life Has Evolved. Has Your Protection?
That policy you "set and forgot" five years ago is likely broken. Your life has changed—you may have a bigger mortgage, a new child, a growing investment portfolio, or a business that's finally taking off—but your cover has stayed the same.
You could be paying for a policy that won't actually protect you, or you could be paying too much for cover you no longer need.
Independent Insurance Audit: Don't Just Renew.
Think of your insurance like your car. You'd never drive it for five years without a single service or Warrant of Fitness, right? You'd want a mechanic to check the brakes, top up the oil, and make sure it's still safe to be on the road.
Your insurance is no different.
My job is to be your trusted mechanic. I'll pop the hood on your existing policies, run a full diagnostic, and tell you exactly what's working and what isn't.
My philosophy is built on Simplicity, Transparency, and Trust. Sometimes, your old policy is still the best one for you. If it is, I'll tell you to keep it. But if it's not, I'll show you why—in simple, digestible language, not jargon.
The Details
We believe in 100% transparency. Here’s what you can expect from a Policy Review.
This Service Is:
- A Free Insurance Audit: A transparent, side-by-side comparison of your current policies against the market.
- Gap Analysis: We identify critical holes in your cover before you ever need to make a claim. If we find a gap, we can move you to our [New Insurance Application Service] to get it sorted quickly.
- Cost Efficiency: We'll show you if you can get the same (or better) cover for a more competitive price.
- 100% Unbiased Advice: We work for you, not the insurer. If your current policy is still the best fit, we will tell you to keep it.
This Service is Not:
- A Sales Pitch: This is not a pitch to switch you for no reason. We'll only recommend a change if it clearly benefits you.
- A Waste of Time: We do the heavy lifting. You just get a simple, clear report showing your options.
- Complicated: We handle all the jargon. You get a plain-English summary that makes sense.
Your Insurance Review: Benchmarked & Gaps Analysed
We follow a strategic process to ensure your cover is cost-effective and perfectly aligned with your current needs.
Step 1: The Diagnostic Check
We start with a deep dive into your existing policies. We identify exactly what you're covered for, what's excluded, and how much you're paying.
Step 2: The Market Benchmark
We compare your current policies against the latest offerings from New Zealand's top providers (like Partners Life, AIA, Fidelity Life, etc.).
Step 3: Identify Gaps & Savings
We present a simple report showing you where your current policy has gaps (e.g., "Your income protection stops after 2 years, but your mortgage is 30 years"). We'll also highlight potential savings.
Step 4: Your Action Plan
We provide a clear set of options: Keep it, Upgrade it, or Switch it. Our advice is unbiased and data-driven. Note: If your situation has become complex, we may recommend a full [Personal Insurance Advice & Financial Risk Analysis] session to re-calculate your needs from scratch.
Step 5: The Seamless Switch
If you decide to make a change, we manage the entire process—from the new application to cancelling your old policy—ensuring you are never uninsured during the transition.
Reviewing Personal, Business, and Health Insurance Policies
Your life changes. Your insurance should too.
For Your Personal Policies
"I've had a baby or a bigger mortgage since I got my cover." Your old Life or Income Protection policy may be dangerously out of date. We'll review it to ensure your cover matches your new family and financial commitments.
For Your Business Policies
"My shareholder agreement has changed, but has my insurance?" An out-of-date policy can make your buy-sell agreement useless. We'll review your Key Person and Shareholder cover to ensure it's still fit for purpose and legally sound.
For Your Health Policies
"Am I overpaying for my health insurance?" We'll review your personal or group health plan, check your pre-existing conditions, and compare your premiums and benefits against the market to ensure you have the best value.
FAQ Insurance Reviews
This is the most important reason to get expert advice. Switching policies blindly can be risky as you might lose cover for those conditions. We are experts in navigating this. We will analyze your medical history and only recommend a switch if it's safe and beneficial. Rule #1: Never cancel an old policy until the new one is 100% in force.
Bank-provided insurance is often a "one-size-fits-all" product that may have significant gaps (like covering accidents but not illness). A review will show you what a specialist provider can offer, which is often more comprehensive cover for a similar price.
All we need is a copy of your latest policy schedule or renewal notice. We can take it from there.
To respect your time. We need to gather your policy details and understand your current situation before we can do a proper analysis. This quick chat ensures we have everything we need to run the diagnostic.